looking at the financial health of the insurance companies in this country. and it sounds like they have seemed to have sort of figured it out. because the health insurance companies has begun to stabilize. your reaction to this, please? >> as i mentioned, either in my opening or in response to questions, the principles of health care that all of us hold deal, affordability and accessible and choices for patients, i think are the things that we all embrace. the next step, how we get to accomplish and meet those goals and those principles, is where it takes work together to do so. the program that you outlined has much merit, whether it's making certain that individuals with pre-existing illness and disease are able to access coverage, whether it's the pooling mechanisms, which i've actively and aggressively